Federal credit union · SYRACUSE, New York · NCUA charter #24387
Syracuse Postal
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $18.1M
- Total assets
- 1,009
- Members
- 7.9%
- Net-worth ratio
Syracuse Postal scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.1M; members 1,009; net-worth ratio 7.88%; health rank #3,433 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,433 of 4,374 health · 2025Q4Syracuse Postal · health 73/100 · $18.1M · 2025Q4
- MEM 73/100
- RANK 7.9%
- PHOTO 0.00%
- BOOK 0.21%
- CHARTER $18.1M
- NCUSIF 1,009
- CAMELS #3,433/4,374
- HEALTH MID-ISLAND
- NW 24387
Call Report peers
Syracuse Postal in the assets neighbourhood
Syracuse Postal's $18.1M assets sit next to MID-ISLAND ($18.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Syracuse Postal vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Syracuse Postal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24387 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Syracuse Postal vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.15 pp (0.00% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 18.55% vs peer 59.80% (-41.25 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Syracuse Postal sits in New York
- In New York, health place is #199 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #188 of 272.
- Membership ranks #215 of 272 among New York CUs with a reported count (1,009 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Syracuse Postal's 5300 filing moved
Syracuse Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $18.1M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted -0.44 pp (8.32% → 7.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 7.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.88% | -6.98 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.21% | -0.50 pp |
| Member Growth | -2.13% | - |
| Loan-to-Share Ratio | 18.55% | -41.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Syracuse Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $18.1M | 1,009 |
| 2024Q4 | $17.6M | 1,031 |
| 2023Q4 | $17.2M | 1,082 |
Credit Union Details
- Charter Number
- 24387
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New York
- City
- SYRACUSE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Syracuse Postal runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| syracuse (Main Office) | syracuse, NY |
| APWU union hall | north syracuse, NY |
| medico residence | north syracuse, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Syracuse Postal, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Syracuse Postal ranks #3,433 of 4,374 nationally on financial health and #199 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CADETS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CADETS
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Syracuse Postal financially healthy?
Syracuse Postal has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,433 of 4,374; by total assets it ranks #3,205 of 4,374 nationally (same basis as /rankings/largest); and #188 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.88% and delinquency rate of 0.00%.
How does Syracuse Postal compare to other credit unions?
On PlainCU's health composite, Syracuse Postal lands at 73/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Syracuse Postal?
Syracuse Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Syracuse Postal directly to confirm current membership steps.
Is my money safe at Syracuse Postal?
Federal credit unions like Syracuse Postal are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Syracuse Postal's net worth ratio of 7.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Syracuse Postal offer compared to banks?
Credit unions like Syracuse Postal are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Syracuse Postal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.